american airlines trip insurance worth it

The Ultimate Guide To American Airlines Trip Insurance: Worth It Or Not?

What To Know

• In this blog post, we will delve into the details of American Airlines trip insurance to determine if it is a worthwhile investment for your next journey.
• Filing a claim can be a time-consuming and complex process, and it is important to understand the terms and conditions of your policy.
• Whether or not American Airlines trip insurance is worth it is a personal decision that depends on your individual circumstances and travel plans.

Planning a trip can be both exciting and stressful, especially when it comes to unforeseen circumstances. Trip insurance can provide peace of mind by protecting you against financial losses in case of unexpected events. In this blog post , we will delve into the details of American Airlines trip insurance to determine if it is a worthwhile investment for your next journey.

Understanding American Airlines Trip Insurance

American Airlines offers three levels of trip insurance : Basic, Preferred, and Premium. Each level provides different coverage options , including:

• Trip cancellation and interruption
• Baggage delay and loss
• Medical expenses
• Emergency evacuation

Benefits of American Airlines Trip Insurance

1. Comprehensive Coverage: American Airlines trip insurance offers a wide range of coverage options to protect you against various travel disruptions.

2. Peace of Mind: Knowing that you are financially protected in case of unexpected events can give you peace of mind and allow you to enjoy your trip without worry.

3. Flexibility: The different levels of coverage allow you to choose the plan that best suits your needs and budget.

4. Convenient Purchase: You can easily purchase American Airlines trip insurance when you book your flight or through the Manage My Trip section.

Limitations of American Airlines Trip Insurance

1. Exclusions: Like all trip insurance policies , American Airlines trip insurance has certain exclusions, such as pre-existing medical conditions or events that are not covered by the policy.

2. Cost: Trip insurance can add an additional cost to your travel expenses , which may not be feasible for everyone.

3. Claims Process: Filing a claim can be a time-consuming and complex process , and it is important to understand the terms and conditions of your policy.

Is American Airlines Trip Insurance Worth It?

The decision of whether American Airlines trip insurance is worth it depends on your individual circumstances and travel plans . Consider the following factors:

• Risk tolerance: If you are comfortable with the potential financial risks of travel disruptions, you may not need trip insurance.
• Travel itinerary: If your itinerary involves multiple flights, connections, or expensive activities, trip insurance may provide valuable protection.
• Personal circumstances: If you have pre-existing medical conditions or other factors that could affect your ability to travel, trip insurance may be a wise investment.
• Budget: Consider the cost of trip insurance and weigh it against the potential financial benefits it could provide.

Alternatives to American Airlines Trip Insurance

If you decide that American Airlines trip insurance is not right for you, there are other options available:

• Travel credit card insurance: Some travel credit cards offer trip insurance as a benefit.
• Third-party travel insurance providers: There are many reputable travel insurance providers that offer a range of plans.
• Self-insurance: You can set aside a portion of your travel budget to cover potential expenses in case of unexpected events.

When to Purchase American Airlines Trip Insurance

If you decide that American Airlines trip insurance is worth it for your trip, it is important to purchase it as early as possible. This will ensure that you are covered from the moment you book your flight.

Tips for Filing a Claim

If you need to file a claim, follow these tips:

• Keep all documentation related to your travel disruption, such as receipts and flight itineraries.
• File your claim promptly according to the policy guidelines.
• Provide clear and detailed information about the incident.
• Be patient and persistent in following up on your claim.

The Bottom Line: Making an Informed Decision

Whether or not American Airlines trip insurance is worth it is a personal decision that depends on your individual circumstances and travel plans . By understanding the benefits and limitations of the policy, considering alternatives, and purchasing early, you can make an informed decision that provides you with peace of mind and financial protection on your next journey.

Frequently Asked Questions

Q: What is the cost of American Airlines trip insurance? A: The cost varies depending on the level of coverage and the length of your trip. You can get an estimate when you purchase your flight or through the Manage My Trip section.

Q: Can I cancel my American Airlines trip insurance? A: Yes, you can cancel your trip insurance within 14 days of purchase for a full refund.

Q: What is the deductible for American Airlines trip insurance? A: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. The deductible varies depending on the level of coverage you choose.

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Travel Insurance

What is flight insurance?

Jennifer Simonson

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Jennifer Lobb

Updated 4:03 a.m. UTC Jan. 24, 2024

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• Flight insurance is coverage that protects the cost of your nonrefundable flight.
• You can buy flight insurance through an airline or from a third-party travel insurance company.
• You may not need flight insurance if you purchase a ticket that allows for free changes and cancellation, or if you already have coverage through your credit card.  

You’re finally ready to pull the trigger to buy airline tickets for the big vacation you’ve been planning. Before you can complete the purchase, you’re prompted to consider purchasing travel insurance for added peace of mind. 

The website copy likely says that flight insurance is “highly recommended” to protect your trip against unexpected circumstances. But what exactly is flight insurance, what does it cover and how necessary is it? 

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What is flight insurance? 

Basic flight insurance protects the cost of your flight should the unexpected occur . When purchasing an airline ticket, flight insurance is typically offered as an add-on directly from the airline or from third-party sites such as Expedia or Travelocity. You can also buy flight insurance directly from some travel insurance companies. 

Having flight insurance does not mean you can cancel your trip for any reason and expect a refund. Depending on the details of your policy, you may be able to recoup 100% of your pre-paid, non-refundable flight cost in the following situations:

• Severe weather or a natural disaster. 
• Equipment failure that causes a long tarmac delay.
• Unexpected flight delays that result in a missed connection.
• A mid-flight emergency that forces you to land at a different airport than originally planned. 
• Death of a family member or traveling companion. 
• Unexpected job loss before your trip.
• Unexpected illness or injury prior to departure.
• You are called for jury duty before your flight. 

Read the change and cancellation policies of the airline when considering if you need to buy flight insurance. Southwest Airlines’ consumer-friendly policies already include the ability to change or cancel a flight for any reason up until 10 minutes before the departure time. However, depending on the type of ticket you buy, you may get a flight credit when you cancel, rather than a refund. 

Know more about airfares: Airfares

What does flight insurance cover? 

Flight insurance typically covers you for unexpected events related to air travel. Policies range from offering straightforward refunds for airline tickets to coverage for lost or damaged luggage. 

Depending on your policy, flight insurance benefits may include:

• Trip cancellation coverage . If you need to cancel your trip for a reason listed in your policy, you can get reimbursed for all prepaid, nonrefundable flight expenses. 
• Trip delay. If you are stranded in transit due to a reason in your policy, you can be reimbursed for extra expenses you incur. This coverage usually begins after you have been delayed for a certain period of time, such as six hours, and has a daily maximum, such as $150. 
• Trip interruption. If you need to cut your trip short for a covered reason, your non-refundable trip costs and any additional transportation expenses — such as a last-minute one-way economy ticket home — could be covered. 
• Lost or damaged luggage. Some flight insurance plans include reimbursement for lost, stolen or damaged luggage. This is generally secondary insurance, so you would have to file a claim with the airline or your homeowners insurance first. 

If you want more comprehensive coverage, it can pay to shop around before buying the flight insurance offered through the airline’s website. Determine which benefits are important to you and compare policies and prices before buying. 

Related: Flight cancellations

How much is flight insurance? 

The cost of flight insurance varies depending on the plan you select, your total trip cost, your age and the length of your trip. But the cost will be low compared to the cost of the flight. For instance, flight insurance from Berkshire Hathaway Travel Protection’s Aircare plan might be $26 for a $1,000 trip. 

It’s worth noting, however, that the average cost of travel insurance is $61 for a $1,000 trip. Spending the extra money on a more comprehensive travel insurance plan could get you a great deal more in coverage while you’re traveling, including emergency medical, dental and medical evacuation. 

How does flight insurance work? 

When you’re buying an airline ticket you will often see an option to add trip insurance on the checkout page. Each airline uses a different flight insurance provider. For example, United offers a Travel Guard travel insurance plan through AIG Travel while Delta uses Allianz Global Assistance. 

Airlines and third-party travel companies can offer drastically different policies, so it is important to read the fine print before selecting a policy to purchase. 

Like Delta, American Airlines offers comprehensive trip insurance through Allianz Global Assistance. Allianz trip insurance pays if you have to cancel or interrupt your trip due to a reason listed in your policy, such as illness, injury or jury duty. 

Travel insurance from Allianz also includes emergency medical benefits, trip interruption coverage, reimbursement of necessary meals and accommodations if your flight is delayed for more than six hours for a covered reason and reimbursement for lost, damaged or stolen luggage during your trip.

Allegiant on the other hand offers basic flight insurance called Trip Flex. Trip Flex allows you to change your flight or postpone your trip without paying the $75 change fee. You can only make one itinerary modification. The modification can be made up to one hour prior to departure for airline ticket purchases and up to 72 hours prior to departure for air/hotel package purchases. Additional restrictions include holiday travel periods and flight promos or sales.

Know more about flight statistics: Flight statistics

Is flight insurance worth it?  

Flight insurance is not always worth the investment. If your trip includes other nonrefundable bookings, such as hotel stays, car rentals and excursions, you would be better off purchasing a standalone travel insurance policy to cover the entire trip. 

You may also be able to rely on your credit card for coverage. Some credit cards include trip cancellation and trip interruption insurance, lost luggage insurance and trip delay reimbursement, if you pay for the trip using your card. This makes it possible to safeguard your flight without purchasing a separate flight insurance policy. Check your credit card benefits to determine if this coverage is available to you. 

If your flight is the only nonrefundable expense for your upcoming trip and you do not have a credit card that includes trip cancellation insurance, flight insurance may be worth it.

Flight insurance FAQs

It is best to buy flight insurance the same day you purchase your airline ticket, whether you buy it through the airline or directly from a travel insurance company. This ensures the cost of your ticket is covered and provides a longer coverage window for trip cancellation benefits.

Many travel insurance companies offer a free look period of 14 or 15 days, which allows you to review your policy and request a refund if you are not satisfied. This time period begins when you purchase the insurance policy and ends at a time determined by your travel insurance provider. 

For example, Allianz Global Assistance offers a 15-day review period in most states.

Most airlines allow you to cancel an airline ticket within the first 24 hours after purchase and get a full refund. After the first 24 hours, many airlines charge fees to cancel or change pre-existing airline reservations, depending on the type of ticket you purchase. 

Southwest Airlines is one of the only airlines to allow customers to cancel or change airline reservations without penalty, although refunds are only available for certain types of tickets. You may receive a flight credit rather than a refund, depending on the ticket type you purchase. 

Editor’s Note: This article contains updated information from previously published stories:

• Five-hour wait times, flight shopping and a rental car rush: Southwest cancellations send travelers scrambling
• Southwest Airlines flight woes continue: 1,000 Sunday cancellations … and counting

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

Jennifer Lobb is deputy editor at USA TODAY Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at U.S. News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.

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How to Pick the Best Flight Insurance Policy for Your Next Trip

Here’s what you need to know about flight insurance before you buy.

Caroline Purser/Getty Images

From flight delays to damaged bags, air travel can be stressful. Thankfully, there’s a range of flight insurance options that will cover expenses in case something goes wrong and provide peace of mind, even if everything goes as planned. 

So, what is flight insurance? Flight insurance is a type of policy that only protects the cost of your flight and flight-related expenses. This type of insurance can include trip cancellation, trip interruption, flight delay , and lost or damaged baggage coverage. Unlike a comprehensive travel insurance policy, flight insurance doesn’t cover things like emergency medical coverage or emergency evacuation.

Here’s everything you need to know about flight insurance so you can decide which plan is best for you.

Chalabala/Getty Images

Pros of Flight Insurance 

The obvious benefit of buying flight insurance is that you’ll be protected financially if things go wrong. Even if your trip goes according to plan, the peace of mind you’ll have may be worth the relatively small cost of a basic insurance plan. In 2022, the average cost of a policy was just $266, while the average payout was $2,157, according to Squaremouth , a travel insurance comparison website.

Cons of Flight Insurance

Ironically, the biggest con of purchasing flight insurance occurs when your trip goes smoothly.  “If you have it, chances are you won't need it, “ says Faith Ann Liuzzo-Bartholomew, a travel advisor who is a member of the American Society of Travel Advisors. That’s what can make the decision to purchase flight insurance so difficult. 

“Flight insurance is a guarantee that your hard-earned dollars and trip plans are protected in case any problems or issues occur,” says Liuzzo-Bartholomew. However, If your trip ends up problem-free, the money spent on flight insurance can feel wasted.

Types of Flight Insurance

There are different types of flight insurance, and each type of policy covers different aspects of a trip.

Airline-issued Flight Insurance Policies

You can buy flight insurance directly from the airline when you’re purchasing a ticket. For example, American Airlines offers flight insurance policies through Allianz Travel that include trip cancellation and trip delay coverage, as well as lost and damaged bag protection. United Airlines offers policies through AIG that include coverage for flight cancellations, missed connections, and lost baggage.

These types of policies tend to offer bare-bones coverage, according to Liuzzo-Bartholomew. 

“If you add the insurance through the airlines with your flight purchase, it is more of a budget policy and includes the basics for delays, cancellations, luggage issues, and re-bookings.” 

Comprehensive Travel Insurance Policies

If you are planning an expensive trip or would rather pay a little more upfront for additional peace of mind, a comprehensive travel insurance policy may be a good option. This type of policy can still have many variables but will generally cover more than just a flight insurance policy. 

For even more flexibility, keep an eye out for a policy that includes the option to upgrade to “Cancel for Any Reason” insurance. A CFAR policy allows travelers to cancel a trip for reasons not covered in their base insurance policy. There are additional restrictions on when you can add CFAR insurance and when a trip needs to be canceled to qualify for reimbursement.

Credit Card Travel Insurance

Many credit cards come with complimentary flight insurance that can cover you in the event of disrupted travel plans. For some travelers, the coverage provided by their credit card may be enough.

The Chase Sapphire Reserve offers a top-notch policy that includes trip cancellation and interruption coverage, lost and delayed baggage coverage, and trip delay insurance that kicks in just six hours after a flight’s scheduled departure time. Another premium credit card, The Platinum Card from American Express , includes trip cancellation, interruption, and trip delay insurance.

Since we’re talking about flight insurance, you may assume that all airline co-branded credit cards come with flight insurance. Unfortunately, that’s not true. Some, like the United Club Infinite Card , include trip cancellation/interruption coverage, while others, like the Citi/AAdvantage Platinum Select World Elite Mastercard , don’t have any type of insurance.

Keep in mind that it’s important to purchase your flight with the card that has the insurance coverage for the policy to be valid.

Giselleflissak/Getty Images

How to Choose the Best Policy

There are different types of flight insurance policies, so you’ll want to do some research to find the one that best fits your needs.

Mitch Krayton, owner of Krayton Travel and a member of the American Society of Travel Advisors, advises his clients to think about what matters most to them. “Ask what risk you are most concerned about in your travels and what support and financial compensation you are willing to pay a premium for.”

The type of flight insurance policy you’ll need will depend largely on what type of traveler you are. A couple who enjoys weekend trips to different destinations in the U.S. might not need much more than what is offered by the airline or is available through a credit card. 

However, Pamela Holt, travel expert and host of “Me, Myself & The World: The Art of Solo Travel” on Amazon Prime, illustrates an opposite scenario.  “Someone like me, who is constantly traveling solo throughout the year to remote locations and requires some flexibility with travel dates, will likely upgrade to a more comprehensive travel insurance plan,” she says.

Virojt Changyencham/Getty Images

How to Use Flight Insurance 

Picture yourself right after your flight gets canceled. The airline rebooks you on the next flight out, but it’s not until the following morning, Even if a hotel voucher is provided, you’ll still end up with out-of-pocket costs. Flight insurance can reimburse you for those extra expenses like transportation to and from the hotel and meals that won’t be covered by the airline.

If you’re making a claim on your credit card’s travel insurance, you’ll need to charge any expenses on the card that has the insurance. Save all of your receipts and grab any relevant screenshots that show your flight was delayed or canceled.

If you need to file a claim for damaged baggage, act fast. Most airlines require you to submit a claim within 24 hours of landing. Airlines are required to cover some damage in certain situations, but having a flight insurance policy can fill in the gaps between what they cover and what your out-of-pocket expenses actually are.

If you purchased a flight insurance policy from your airline or a travel insurance company, you’ll need receipts for all of your unreimbursed expenses and proof of your disrupted travel plans. Be sure to file a claim as soon as you get home, as many policies have timing requirements.

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• Plan Your Trip

What Does Trip Insurance Cover For American Airlines

Published: December 6, 2023

Modified: December 28, 2023

by Dania Mizell

Introduction

Traveling is an exciting adventure, whether you’re jetting off for business or taking a much-needed vacation. However, unexpected events can sometimes disrupt our travel plans, leaving us stressed and stranded. That’s where trip insurance comes to the rescue. It offers a safety net, providing coverage for a range of unforeseen circumstances that could impact your journey.

When it comes to air travel, American Airlines is a popular choice for many travelers. To ensure a worry-free trip, it’s important to understand what trip insurance can cover for American Airlines passengers. This comprehensive guide will walk you through the various aspects of trip insurance, giving you a clear understanding of the protection it offers and helping you make an informed decision about whether to purchase it for your next American Airlines flight.

From trip cancellation and interruption to lost baggage and medical emergencies, trip insurance can provide valuable coverage and peace of mind. It’s important to note that the specific coverage and terms may vary depending on the insurance provider and the policy you choose, so be sure to carefully review the details before making a purchase.

In the following sections, we’ll explore the different coverage options typically offered by trip insurance for American Airlines passengers. We’ll discuss the protection provided for trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and even rental car protection. Additionally, we’ll cover any exclusions or limitations you should be aware of, as well as how to purchase trip insurance for your American Airlines flights.

So, whether you’re heading on a domestic getaway or an international adventure with American Airlines, read on to discover the benefits of trip insurance and how it can safeguard your travel plans.

Overview of Trip Insurance

Trip insurance, also known as travel insurance, is a type of insurance that provides coverage for unexpected events that may occur before or during a trip. It is designed to protect travelers from financial loss and provide assistance in various situations that could disrupt travel plans.

When it comes to American Airlines, trip insurance can be purchased to cover a wide range of potential issues that could arise before or during your trip. These could include trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and even rental car protection.

By investing in trip insurance, you can have peace of mind, knowing that you are financially protected if something unexpected happens. Whether it’s a sudden illness or injury, a natural disaster, a travel advisory, or any other covered event, trip insurance can help you recoup some or all of the expenses associated with your trip.

It’s important to note that trip insurance is typically purchased separately from your airline ticket. While some airlines may offer their own trip insurance options, it’s advisable to explore coverage from third-party providers as well. This allows you to compare different policies, levels of coverage, and pricing to find the best fit for your specific needs and budget.

When considering trip insurance, it’s essential to carefully review the terms and conditions of the policy to understand what is and isn’t covered. Each policy will have its own set of limitations, exclusions, and coverage limits, so it’s important to choose a plan that aligns with your travel plans and preferences.

In the following sections, we’ll delve into the specific coverage options provided by trip insurance for American Airlines passengers. Whether you’re looking for protection against trip cancellation, delay, lost baggage, or medical expenses, understanding the details of trip insurance coverage will help you make an informed decision for your future travels with American Airlines.

Coverage for Trip Cancellation or Interruption

One of the primary benefits of trip insurance is coverage for trip cancellation or interruption. Life is unpredictable, and there may be instances where you need to cancel or cut short your trip due to unforeseen circumstances. Trip insurance can help protect your investment by reimbursing you for non-refundable expenses.

If you need to cancel your trip before your scheduled departure, trip insurance can provide coverage for a variety of reasons such as a sudden illness or injury, the death of a family member, or a natural disaster that renders your destination uninhabitable. Depending on the policy, you may also be covered for events like a travel advisory issued by the government or the bankruptcy of the airline or tour operator.

In the case of trip interruption, if you need to return home early due to an emergency or unforeseen event, trip insurance can cover the additional expenses incurred, such as change fees for flights or unused portions of accommodations.

It’s essential to carefully review the coverage limits and exclusions of your trip insurance policy. Some policies have specific covered reasons for trip cancellation or interruption, while others offer more comprehensive coverage. It’s also worth considering whether you want “cancel for any reason” coverage, which provides more flexibility but may come at an additional cost.

When purchasing trip insurance for American Airlines travel, be sure to consider the total cost of your trip and select a coverage amount that adequately protects your investment. Keep in mind that trip insurance must be purchased before any unforeseen event occurs, so it’s wise to secure coverage as soon as you book your trip.

Trip cancellation or interruption coverage helps minimize the financial risk of having to cancel or cut short your trip due to unexpected circumstances. By including this coverage in your trip insurance policy, you can travel with peace of mind, knowing that you have financial protection if your plans need to change.

Coverage for Trip Delay

When it comes to travel, delays can be frustrating and inconvenient. Fortunately, trip insurance can provide coverage for trip delays, offering assistance and reimbursement for certain expenses incurred as a result of the delay.

If your American Airlines flight is delayed for a significant amount of time due to reasons beyond your control, such as weather conditions, mechanical issues, or other unforeseen events, trip insurance can help cover the additional costs you may incur during the delay.

Common expenses that may be covered include meals, accommodations, transportation, and even necessary phone calls or internet access while you wait for your flight to depart. The specific coverage and limits will depend on your trip insurance policy, so it’s important to review the details before purchasing.

It’s worth noting that trip delay coverage typically comes into effect after a certain period of delay, such as a minimum of six hours. Prior to that, it’s advisable to check with the airline for any compensation or assistance they may offer. Once the minimum delay threshold is met, trip insurance can provide reimbursement for eligible expenses incurred during the extended delay.

When purchasing trip insurance, consider the potential for delays and the impact it may have on your trip. If you have a tight schedule or important events booked, having coverage for trip delays can provide peace of mind and financial protection.

It’s important to keep all receipts and documentation related to the expenses incurred during the trip delay, as you will likely need to submit them for reimbursement. Contact your trip insurance provider as soon as possible to understand the process for filing a claim and receive proper guidance.

With trip delay coverage, you can navigate unexpected delays with more ease. Rather than bearing the financial burden yourself, trip insurance can help cover necessary expenses, ensuring that you can make the most of your travel experience with American Airlines.

Coverage for Lost or Delayed Baggage

One of the most frustrating experiences while traveling is when your baggage is lost or delayed. Luckily, trip insurance can provide coverage and assistance in such situations, helping to alleviate some of the stress and inconvenience.

If your luggage goes missing or is delayed by the airline during your American Airlines travel, trip insurance can cover the cost of necessary items you may need to purchase. This coverage typically includes essentials like clothing, toiletries, and other personal items. The specific coverage limits will vary depending on your policy, so be sure to review the details when purchasing trip insurance.

In the event that your baggage is lost and doesn’t get recovered, trip insurance may provide reimbursement for the value of your lost belongings. It’s important to keep track of the items in your luggage and their estimated value, as you may need to provide documentation to support your claim.

When your baggage is delayed for an extended period, trip insurance can also provide coverage for the additional expenses you may incur. This could include the cost of purchasing essential items, such as clothing and toiletries, while waiting for your luggage to be delivered. The coverage limits and waiting period for delayed baggage will vary depending on your policy, so it’s important to review this information carefully.

To ensure a smooth claims process, it’s recommended to report any lost or delayed baggage to the airline immediately and obtain a Property Irregularity Report (PIR) or relevant documentation. This will serve as evidence when filing a claim with your trip insurance provider. Be sure to keep all receipts for items purchased during the delay or in the process of replacing lost items.

By including coverage for lost or delayed baggage in your trip insurance policy, you can travel with peace of mind knowing that you’ll be financially protected and able to replace any essential items if necessary. This coverage provides a valuable safety net and ensures that your travel experience with American Airlines remains as smooth and enjoyable as possible.

Coverage for Medical Expenses and Emergency Medical Evacuation

Medical emergencies can happen at any time, even during your travels with American Airlines. Trip insurance can provide coverage for medical expenses incurred while traveling and even offer assistance in arranging emergency medical evacuation if needed.

If you experience a sudden illness or injury during your trip and require medical attention, trip insurance can help cover the costs of necessary medical treatment. This can include doctor’s visits, hospital stays, prescription medications, and other related expenses. It’s important to review the medical coverage limits and any exclusions mentioned in your trip insurance policy.

In addition to medical expenses, some trip insurance policies also offer coverage for emergency medical evacuation. This means that if you require immediate medical attention that is not available locally, trip insurance can help arrange and cover the cost of transporting you to a suitable medical facility. This could involve air ambulances, specialized medical transportation, or coordination of medical repatriation back to your home country.

When choosing trip insurance, consider the coverage for pre-existing medical conditions, as some policies may have limitations or exclusions. If you have any pre-existing conditions, it’s important to disclose them when purchasing the policy or seek out a policy that offers coverage for pre-existing conditions.

When a medical emergency occurs, it’s crucial to contact the emergency assistance hotline provided by your trip insurance provider. They can guide you through the process, assist in finding appropriate medical care, and make arrangements for necessary transportation or evacuation if required.

Having coverage for medical expenses and emergency medical evacuation gives you peace of mind, knowing that you will be taken care of in the event of a medical emergency during your travels with American Airlines. It helps alleviate the financial burden and ensures that you receive the necessary care and attention, no matter where you are in the world.

Coverage for Travel Accidents

While no one wants to think about accidents happening during their travels, it’s important to be prepared and protected. Trip insurance can provide coverage for travel accidents, ensuring that you have financial assistance in case of unforeseen incidents.

Travel accident coverage typically provides benefits in the event of accidental death or dismemberment that occurs during your trip. This coverage can help provide financial security for you and your loved ones in the unfortunate event of a fatal accident or severe injury while traveling with American Airlines.

The coverage amount for travel accidents varies depending on your trip insurance policy. Some policies offer a fixed amount, while others provide coverage based on a percentage of the policy’s total benefit limit. It’s crucial to review the details of the coverage and the terms and conditions.

While travel accident coverage can provide peace of mind, it’s important to note that it is not a substitute for health or life insurance. Travel accident coverage typically focuses on accidents that occur specifically during your trip and may have certain exclusions or limitations. If you’re looking for more comprehensive coverage, you may want to consider purchasing additional life or health insurance.

In case of a travel accident, it’s essential to contact your trip insurance provider as soon as possible to begin the claims process. They will guide you on the documentation required and the steps to take. Be prepared to provide any necessary evidence, such as medical reports and police reports, to support your claim.

By including travel accident coverage in your trip insurance policy, you can have peace of mind knowing that you have financial protection in the event of a travel accident. It’s an extra layer of security that adds to the overall safety and preparedness during your travels with American Airlines.

Coverage for Rental Car Protection

When traveling, many people opt to rent a car to explore their destination conveniently. However, accidents or damage to the rental car can put a damper on your trip. Fortunately, trip insurance can provide coverage for rental car protection, ensuring that you’re financially protected in case of any mishaps.

Rental car protection coverage helps safeguard you from the financial burden of damages or theft to the rental car. If you’re involved in an accident or if the rental car is stolen or vandalized during your trip, trip insurance can help cover the costs associated with repairs or replacement.

Depending on your trip insurance policy, rental car protection coverage may include damage to the rental vehicle, loss of use charges imposed by the rental company, and even reimbursement of the deductible you may be responsible for under the rental car agreement.

It’s important to note that rental car protection within trip insurance typically acts as secondary coverage. This means that it steps in to cover costs that exceed what may already be provided by the rental car company’s insurance or your personal car insurance policy. It’s advisable to review your existing insurance policies to understand your coverage and determine if additional rental car protection is necessary.

Before renting a car, it’s essential to familiarize yourself with the rental agreement and the terms and conditions set by the rental car company. This allows you to understand your responsibilities and any potential liabilities. It’s also recommended to inspect the rental car thoroughly and document any existing damages to avoid any disputes later on.

In the event of an accident or damage to the rental car, notify your trip insurance provider as soon as possible to initiate the claims process. They will guide you on the necessary documentation and steps to take to receive reimbursement for the covered expenses.

By including rental car protection coverage in your trip insurance policy, you can explore your destination with peace of mind, knowing that you’re financially protected in case of any unfortunate incidents involving the rental car. It’s an added layer of security that enhances your travel experience with American Airlines.

Additional Benefits and Add-Ons

In addition to the core coverage options, trip insurance for American Airlines passengers may offer additional benefits and add-ons to enhance your travel protection. These optional features can provide extra peace of mind and tailor your coverage to meet your specific needs. Here are some common additional benefits and add-ons to consider:

• Travel Medical Insurance: If you require more comprehensive medical coverage while traveling, you may have the option to add travel medical insurance to your trip insurance policy. This can provide coverage for medical expenses unrelated to trip interruptions or accidents.
• Cancel for Any Reason: Some trip insurance plans offer a “cancel for any reason” add-on, providing more flexibility in canceling your trip. This can be beneficial if you have concerns about traveling due to personal reasons not covered by standard trip cancellation coverage.
• Pre-existing Condition Coverage: If you have pre-existing medical conditions, you may be able to add coverage specifically for these conditions. This ensures that any medical issues related to your pre-existing conditions will be covered during your trip.
• Adventure Sports Coverage: If you plan on participating in adventure sports or activities during your trip, you may have the option to add coverage specifically for these high-risk activities. This can provide protection against injuries or accidents that may occur during such activities.
• Identity Theft Protection: To protect yourself from identity theft while traveling, some trip insurance policies offer identity theft protection as an add-on. This can help with services such as credit monitoring and resolution assistance in case your personal information is compromised.

When considering additional benefits and add-ons, it’s important to carefully review the details and terms of the coverage. Evaluate your specific needs and assess if the additional cost is worth the added protection.

Keep in mind that these optional benefits and add-ons may not be available with all trip insurance providers or policies. It’s recommended to compare different insurance plans to find the one that best suits your needs and preferences.

By taking advantage of these additional benefits and add-ons, you can customize your trip insurance coverage to provide the level of protection and peace of mind that matches your unique travel requirements, ensuring a worry-free journey with American Airlines.

Exclusions and Limitations

While trip insurance can provide valuable coverage for various travel contingencies, it’s important to understand that there are certain exclusions and limitations to be aware of. These exclusions and limitations define what is not covered by your trip insurance policy. Here are some common exclusions and limitations you may encounter:

• Pre-Existing Conditions: Many trip insurance policies have specific limitations on coverage for pre-existing medical conditions. It’s crucial to review the policy’s definition of pre-existing conditions and understand any restrictions or exclusions that may apply.
• High-Risk Activities: Some policies may exclude coverage for injuries or accidents related to high-risk activities such as skydiving, bungee jumping, or other extreme sports. If you plan on participating in these activities, consider adding an adventure sports coverage add-on to your policy.
• Intentional Acts or Illegal Activities: Trip insurance typically does not provide coverage for losses or expenses incurred as a result of intentional acts or illegal activities. Any claims related to these activities will likely be denied.
• War or Terrorism: Most trip insurance policies exclude coverage for losses or expenses resulting from acts of war or terrorism. It’s important to understand the specific definition of these terms and their implications for your coverage.
• Carrier Bankruptcy: While trip insurance can provide coverage in the event of carrier bankruptcy, it’s essential to review the policy’s specific requirements and limitations. Coverage may vary depending on the timing of your trip and when the carrier bankruptcy was announced.
• Unattended Belongings: If your personal belongings are lost or stolen while left unattended, trip insurance may not cover the loss. It’s important to take reasonable precautions to ensure the security of your belongings.

These exclusions and limitations are intended to manage risk for the insurance provider and ensure that coverage is provided for genuine unforeseen circumstances. It’s crucial to carefully review the full terms and conditions of your trip insurance policy to understand the specific exclusions, limitations, and any other provisions that may affect your coverage.

If you have any concerns or questions about the exclusions and limitations of your trip insurance policy, it’s recommended to reach out to your insurance provider for clarification. They can provide the necessary information and help you make informed decisions regarding your travel coverage.

By understanding the exclusions and limitations of your trip insurance policy, you can better manage your expectations and ensure that you have appropriate coverage for the specific risks and situations you may encounter while traveling with American Airlines.

How to Purchase Trip Insurance for American Airlines

When it comes to purchasing trip insurance for your American Airlines travel, there are a few steps you can take to ensure you find the right coverage that meets your needs. Here’s a guide on how to purchase trip insurance:

• Evaluate Your Travel Needs: Start by assessing your specific travel needs. Consider factors such as the length of your trip, the destination, any pre-existing medical conditions, and the value of your travel investment. This will help you determine the level of coverage and the specific features you require from your trip insurance policy.
• Research Trip Insurance Providers: Look for reputable trip insurance providers that offer policies suitable for your travel needs. Consider factors such as their financial stability, customer reviews, and the range of coverage options they provide.
• Compare Coverage and Pricing: Request quotes from multiple trip insurance providers and compare the coverage and pricing of their policies. Pay close attention to the specific coverage areas that are important to you, such as trip cancellation, medical expenses, or rental car protection.
• Read the Policy Details: Before making a final decision, thoroughly read the details of the policy you are considering. Pay attention to coverage limits, exclusions, and any additional benefits or add-ons that may be offered. Ensure it aligns with your travel needs and provides sufficient coverage.
• Purchase the Policy: Once you have selected the trip insurance policy that meets your requirements, proceed with the purchasing process. This can typically be done online through the insurance provider’s website. Fill out the required information accurately and make the payment to secure your coverage.
• Keep Documentation Handy: After purchasing the trip insurance, make sure to keep a copy of your policy documents, receipts, and any other relevant documentation. This will be important in case you need to file a claim or refer to your coverage details during your trip.

It’s important to note that trip insurance should ideally be purchased soon after booking your American Airlines travel. This ensures that you have coverage in case any unforeseen events occur before your departure.

If you have any questions or need assistance during the purchase process, don’t hesitate to reach out to the trip insurance provider’s customer service for clarification or guidance. They can help you navigate through the policy options and provide the necessary information to make an informed decision.

Purchasing trip insurance for your American Airlines travel is a smart way to protect your investment and provide peace of mind. By following these steps, you can select a policy that suits your travel needs and enjoy a worry-free journey.

Traveling with American Airlines can be an exciting and enriching experience. However, unexpected events can sometimes disrupt our travel plans and leave us in a state of uncertainty. That’s where trip insurance comes in, providing a safety net and offering coverage for a range of unforeseen circumstances that could impact your journey.

In this comprehensive guide, we have explored the different coverage options typically offered by trip insurance for American Airlines passengers. We discussed the protection provided for trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and rental car protection.

It’s important to note that the specific coverage and terms may vary depending on the insurance provider and the policy you choose. Therefore, it’s crucial to carefully review the details of the policy before making a purchase to ensure it aligns with your specific needs and preferences.

We also discussed additional benefits and add-ons that you can consider to enhance your trip insurance coverage, such as travel medical insurance, cancel for any reason coverage, pre-existing condition coverage, adventure sports coverage, and identity theft protection.

Furthermore, we highlighted the exclusions and limitations that you should be aware of when it comes to trip insurance. Familiarizing yourself with these exclusions and limitations will help you manage your expectations and ensure that you have appropriate coverage for your specific travel circumstances.

To purchase trip insurance for your American Airlines travel, evaluate your travel needs, research reputable trip insurance providers, compare coverage and pricing, carefully read the policy details, purchase the policy, and keep all documentation handy for reference.

Ultimately, trip insurance provides valuable protection and peace of mind for your travels with American Airlines. It offers financial security, assistance in emergencies, and a safety net to protect your travel investment. By understanding the coverage options and selecting the right policy, you can travel with confidence, knowing that you’re protected against unforeseen events and ready to make the most of your journey.

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

311 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3207 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, travel insurance and the covid-19 virus, types of travel insurance policies available with allianz, how to obtain a quote with allianz, additional travel insurance offered by allianz, how allianz compares, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz Epidemic Coverage Endorsement

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

OneTrip Plans — For Affordability and Select Coverages

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

AllTrips Annual Plans — Cover All of Your Trips for a 12-Month Period

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

OneTrip Emergency Medical Plan

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

OneTrip Cancellation Plus Plan

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

Rental Car Damage Protector

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

Allianz vs. Credit Card Travel Insurance

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

American Express Membership Rewards

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve Card

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel SM  immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel SM . For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass TM  Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: $0

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Allianz vs. Other Travel Insurance Companies

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz vs. Point-of-Sale Travel Insurance and Protection

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is travel insurance worth it.

Yes, it can be worth it. If you are uncomfortable with the amount of money you would lose or be forced to pay in the event you had to cancel your trip or if you incurred disruption while traveling, you should purchase travel insurance.

An inexpensive trip or single flight may not warrant purchasing travel insurance, but insuring an expensive or complicated trip where you have a lot of non-refundable prepaid expenses at risk makes economic sense.

Travel insurance also provides the intangible benefit of peace of mind, knowing you are protected if you have to cancel due to a covered event or your trip is disrupted once in motion.

What is covered for trip cancellation?

There are limited covered reasons for receiving a benefit from trip cancellation insurance. The number 1 reason most travelers cancel their trips, according to InsureMyTrip.com , is the unforeseen illness of the traveler or of family members.

Fortunately, this is a covered reason for trip cancellation, although the level of coverage varies by company and policy.

Additional covered reasons can include death, hospitalization, or accident to you or covered family, legal obligations, your home becomes uninhabitable, the default of the travel provider, or natural disaster.

Deciding not to take a trip is not a covered reason for trip cancellation. Cancel for Any Reason insurance must be purchased in order to cover canceling a trip for a reason you personally deem necessary.

Does travel insurance cover flight cancellations?

Yes, travel insurance can cover flight cancellations in certain circumstances and depending on the policy purchased.

However, if an airline cancels your flight, whether prior to travel or during your travels, you would first contact the airline or the agency where you purchased your ticket for rebooking, a refund, or travel credit.

If you are not made whole, you could then look for coverage in your travel insurance policy.

If a flight is canceled due to weather during your travels, for example, and you are forced to incur unexpected expenses as a result, you could have coverage under a travel insurance policy if these expenses are not covered, or insufficiently covered, by the airline.

There could also be coverage under trip interruption/delay insurance if an airline cancels a flight and it causes you to miss ongoing travel which has been prepaid and is non-refundable.

Which is the best travel insurance company?

The best travel insurance company will have a high financial rating from a respected insurance industry rating company such as A.M. Best, offer a selection of coverages that matches your protection priorities, and does this at a price you’re willing to pay.

You should check reviews as well, keeping in mind that most consumers want to pay the least amount of money they can at the time of purchase and by doing so, coverage can be sacrificed. When there’s a claim, it’s natural to want the highest degree of coverage, although that may not have been the level purchased.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Travel Insurance: Is It Worth It?

When Covid-19 hit, travel insurance didn’t help many travelers recover the cost of their canceled trips. What, then, were they paying for?

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By Elaine Glusac

Through the travel insurance broker InsureMyTrip.com, Suzanne Tow of New York City paid $270 to cover a $5,000 trip in May to Yosemite National Park. When the tour was canceled, Ms. Tow filed a claim with her insurer, and discovered, like so many other travelers, that travel insurance doesn’t cover cancellations because of a pandemic.

“They’re not risking a penny because they’re not paying a cent,” she said.

Americans spent nearly $3.8 billion on travel protection in 2018, the latest figure available, up about 41 percent from 2016, according to the U.S. Travel Insurance Association. Now, for those contemplating traveling in an increasingly uncertain world, the question of whether travel insurance is worth buying looms large. If insurance couldn’t help with that first wave of Covid-related travel cancellations, many irate travelers ask, what exactly were they paying for?

That’s a good question

“Travel insurance is a line of insurance we consistently hear problems about,” said Carmen Balber, the executive director of Consumer Watchdog, a nonprofit consumer advocacy group. “It’s much less regulated than other lines of insurance and tends to include exclusions for things consumers believe they’re covered for.”

Though the rules vary by state, most standard policies sold in the United States provide predeparture cancellation and trip interruption for unforeseen problems that are specifically named, including job loss, an illness that prevents you from traveling or cuts a trip short, a death in the family, a missed flight connection that, in turn, leads to a missed cruise departure, and so on.

But there is a long list of exclusions that render the insurance void, including terrorist attacks, war and claims associated with psychological disorders, or risky adventure sports like skydiving.

When a threat becomes “foreseen” —— for example, once a brewing storm becomes a named hurricane, or a global health threat becomes a named pandemic — it is uninsurable, unless you bought the policy before the threat is named.

If you contracted Covid-19, which prevented you from traveling, and held travel insurance before the date the viral infection became a known threat, the insurance would have covered your cancellation. Allianz Global Assistance , the largest travel insurance company, uses Jan. 22 as the known date. Travel Guard , another major player, uses March 11, the date the World Health Organization declared Covid-19 a pandemic.

But for travelers who canceled in the current Covid-19 crisis, these insurance companies pointed to their list of things that were covered — a death in the family, job loss, etc. — which did not include pandemics.

“Travel insurance is pitched as something simple, take it or leave it, but it’s a complex insurance policy and there’s all sorts of limitations,” said Birny Birnbaum, the executive director of the Center for Economic Justice, a nonprofit that advocates for equal access to economic opportunity. “You have to read 20 or 30 pages of policy to find out and understand what’s covered.”

The accumulation of unredeemable policies in the pandemic suggested an exploitive practice to Representative Raja Krishnamoorthi. In March, the Illinois Democrat and chairman of the House Oversight and Reform Subcommittee on Economic and Consumer Policy opened a congressional investigation into profiteering by travel insurance companies.

“The burden should be on the insurance company and the brokers to make clear what they’re selling,” said Brendan M. Bridgeland, the director of the Center for Insurance Research, a consumer advocacy organization. “Because that’s where people are getting the idea that, ‘I buy this I’m protected,’ and that simply is not the case if you read the policy.”

Sorry, that’s excluded

Maurizio Howard of Parker, Colo., thought he was covered for his daughter’s school trip to the Dominican Republic because he paid $165 for travel insurance in the $2,955 trip fee. When the March 14 trip was canceled because of the pandemic, the operator, EF Tours, offered three options: Move the dates to the following year; accept a voucher for future travel that the family could resell; or take a refund, minus $1,000 in expenses that it did not enumerate.

That was within EF Tour’s rights, as outlined in the fine print of its trip contract. The company “retains the right to cancel, modify, or delay the tour as a result of … public health issues or quarantine or threats of public health issues…” Canceled tours would trigger a voucher for future travel minus a $95 nonrefundable deposit and “any additional nonrefundable fees.”

Because Mr. Howard feared that filing an insurance claim might hurt his chances of persuading the company to refund the trip, I asked his travel insurer if it would reimburse him the $1,000. Crum & Forster, the parent company of United States Fire Insurance Company, which underwrote the policy, responded via email that the booking terms are “a direct contractual arrangement between EF and their customer and is not related to the Travel Protection Plan.” In other words, no.

The upshot: The conditions under which you can claim trip cancellation benefits are not only narrow, but they don’t cover penalty fees imposed by tour companies.

So, I should buy ‘cancel for any reason,’ right?

Travelers who wanted to cancel trips as Covid-19 gathered steam, but before travel was shut off by governments across the globe, were often told that their travel insurance did not cover canceling out of fear — unless they had purchased a cancel for any reason insurance upgrade, or C.F.A.R.

With C.F.A.R., a traveler is able to back out any time until a few days before departure and get some money back, usually 50 to 75 percent. It’s more expensive than regular travel insurance and must be purchased within a short window after making the initial trip deposit, usually less than 21 days. Additionally, the policy only covers cancellations up to two or three days before the trip.

Using Travel Guard’s website, I priced insurance on a $10,000 trip to France. Its basic policy costs about $500 to insure. But to get C.F.A.R., I would have to take the “preferred” policy at about $554. Adding the C.F.A.R. option offering 50 percent back, cost $128, for a total of $682. If I canceled because of the pandemic, or for any other reason, I would only get $5,000 back, half of the insured amount. Less the premium, that’s $4,318 net.

Cancel for any reason, Mr. Birnbaum said, “is treated as insurance, but it’s not really. Insurance is protection against some fortuitous event.” This policy, he said, covers a decision that’s in your control — such as changing your mind about taking a trip — not a risk that’s out of your control, like a car accident.

Mollie Fitzgerald, a travel adviser in Gibsonia, Pa., rarely recommends C.F.A.R. because it’s expensive — it can be 35 to 50 percent more than regular travel insurance, she said — and becomes more expensive the older you are, while only covering a maximum of 75 percent of the trip.

“Occasionally, a trial lawyer or someone like that whose calendar is fluid will request C.F.A.R., but it’s less than 1 percent of our insurance sales,” she wrote in an email.

But for many travelers, something is better than nothing. Edward Chan of Rancho Palos Verdes, Calif., spent $552 on an insurance policy with C.F.A.R. through Travel Insured International that offered 75 percent back on a $13,000 family cruise. During the pandemic, he canceled before the final payment was due and got his money back, except for a $1,000 nonrefundable fee.

Making an insurance claim through Travel Insured International, he got $750 of that fee back.

“So it was worth it for me to make the claim,” he wrote via Twitter, noting it took two hours on the phone with an agent two months after making the claim to get the refund approved.

The upshot: Cancel for any reason is a luxury option, that may be worth it to protect a large investment. But even then you only get a fraction back.

Airlines get into the game

Airlines also act as travel insurance brokers, offering coverage by third parties every time you buy a ticket online. During the transaction, most carriers have a mandatory yes or no question about buying insurance and then add the cost of the policy, if accepted, to the ticket price. Answering “yes,” Kathryn Franz of Marion, N.Y., bought two nonrefundable fares on Delta.com for a September trip to several national parks in Utah to celebrate her 70th birthday. She bought insurance on the $1,193 tickets with Allianz Global Assistance for $94.

Though the trip is still months away, Ms. Franz has decided she is not comfortable taking it. “Both my husband and I are in the ‘at risk’ demographic due to age, but he also has diminished lung capacity due to having been a smoker for so long,” she wrote in an email. “I feel it is prudent to cancel the trip to protect ourselves from risk.”

Checking her policy, she discovered she would not be covered if she canceled the flight because of the pandemic. (However, Delta later changed the couple’s itinerary, and offered a credit to use in future if they elected not to take the trip.)

“Concern over the potential to become ill is not a listed reason that would trigger coverage,” an Allianz spokesman, Daniel Durazo, wrote in an email.

Recently, American Airlines offered me a $25 insurance policy, marked “recommended,” on a $388 flight from Chicago to San Francisco. If I declined, I had to click: “No, I choose not to protect my $388.30 purchase and I understand by declining coverage I may be responsible for cancellation fees and delay expenses.”

The question injects anxiety into every ticket purchase, suggesting airlines have a financial interest in the sales. Allianz would not disclose the terms it has with the airlines. Several airlines didn’t respond to the inquiry.

“They thrust this product in front of you on every online ticket purchase,” said Shawn Guertin, of Barrington, R.I., who assumed the tickets he canceled on Hawaiian Airlines in March because of the coronavirus were covered by the insurance he bought at booking; Allianz denied the claim, writing in a letter, “Your plan excludes coverage for losses due to an epidemic.”

“Regardless of what the fine print says, at a minimum it’s a very deceptive business practice,” he said.

When buying any insurance, experts advise, ignore third parties — in this case, the airlines.

“You can purchase a policy for the same flight on your own and it will probably be cheaper,” Mr. Bridgeland said.

While I priced insurance on that San Francisco flight at Allianz for $20, it lacked some benefits in the $25 airline policy, making an exact comparison difficult.

In addition, most flight insurance includes benefits you often don’t need to pay for. In the case of lost, damaged or delayed baggage, the U.S. Department of Transportation makes the airline responsible for reimbursement up to a maximum of $3,500 on a domestic flight, typically more than travel insurance stipulates. Additionally, if an airline cancels your flight or makes a significant schedule change, it owes you a refund regardless of insurance.

The upshot: Flight insurance, like travel insurance, is good under only a limited set of circumstances, such as job loss. Ignore the airline website hype.

If the trip is canceled, can I get my premium back?

Most travel insurance policies cover trip cancellation from the time of purchase to the day of departure for reasons like sickness or severe weather. They typically include a “free look” period after purchase, usually 10 to 15 days, during which time travelers can cancel for a full refund of the premium. After that, no dice.

When Royal Caribbean canceled Valerie Pedersen’s May cruise to Bermuda because of the pandemic, she was offered a refund. But Ms. Pedersen also wanted her $400 insurance premium back from Travel Guard insuring a trip that wasn’t to be.

Travel Guard offered Ms. Pedersen a rollover.

On April 13, the company wrote her that she was beyond the free-look stage that would trigger a refund of the premium. “It is our policy that all premium refund requests must be submitted within 15 days of the effective date of the policy, however, we are pleased to offer you a travel insurance credit voucher in the amount of $413.92,” it wrote.

“Pretty cheesy, I think, as I could use the actual cash now,” Ms. Pedersen said.

Offering rollovers has been the industry’s exception to its policy of no refunds after the free-look period. Decisions on how to handle policy refunds versus rollovers have varied in the pandemic. Allianz said it is allowing customers whose trips have been canceled because of Covid-19 by their travel operator — be it a cruise line, airline or tour company — to cancel their insurance and get a refund of the premium.

The upshot: Much depends on the policy, but the fact that insurance companies are reacting differently means it’s a good time to be the squeaky wheel and demand a refund.

So, who needs travel insurance?

In the pandemic, travelers learned they can insure themselves for unforeseeable but relatively routine disasters — like getting hurt in a car accident, needing emergency gall bladder surgery or losing a job — but not the ones that seemed like a sci-fi scenario two months ago.

One way to make sure your money is protected is to pay more for refundable airline tickets — as long as they’re not worth more than the fees to change them — and carefully read the fine print on tour, cruise and hotel cancellation and refund terms, as well as travel insurance policies.

“So many travel insurance policies are set up for consumers to lose,” said Ms. Balber of Consumer Watchdog, noting that policies including medical coverage abroad, where your own health insurance may not kick in, may be worthwhile. “But the devil is in the details and that is doubly true when it comes to travel insurance.”

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Despite the relaxation and excitement that a vacation can bring, traveling can be stressful. You have to get to the airport on time, deal with the crowds at security, and keep all of your belongings secure — all while preparing for the possibility of a trip interruption such as a canceled flight or trip delay.

Between the bustling environment of the airport and uncontrollable factors like weather, there are many places where you can run into obstacles along your journey.

That’s why providers like American Airlines provide the option to add travel insurance coverage to your purchase. And at first glance, travel insurance may seem like a sensible purchase to protect you from anything that goes wrong with your trip.

But do you need travel insurance? If so, is American Airlines’ travel insurance actually worth buying? The short answer is usually no. In fact, AA’s policy may specifically exclude the very event you’re concerned about. In this guide, we’ll cover the ins and out of travel insurance cover so that you can make an informed decision.

To ensure you're getting the best deal on travel insurance, compare multiple quptes. You can compare easily using our free search tool right now.

What Protection Does American Airlines’ Travel Insurance Cover?

Like other travel insurances, American Airlines’ travel insurance is sometimes advertised as if it is some necessity for every conscious consumer.

But before you click “purchase,” let’s look into what this policy really covers.

American Airlines’ travel insurance policy addresses a variety of scenarios that may alter your travel plans. These situations include:

• Circumstances impacting your travel – In the cases of illness, job loss, extreme weather, or other extenuating circumstances, travelers who purchase American Airlines travel insurance may receive financial coverage of changed plans or trip cancellation.
• Cancellations – If your flight is canceled, American Airlines travel insurance may reimburse some of your expenses.
• Lost luggage – A suitcase missing at baggage claim is a nightmare for any traveler. Travel insurance could potentially cover the cost of essential items you may need to purchase at your destination if your luggage is lost or delayed in transit.
• Injury or illness – If you sustain an injury or require medical attention during your trip, travel insurance can provide you with emergency medical and dental benefits in some cases.
• Damage to your rental car – Accidents can happen even when you’re on vacation, and it can be especially difficult to resolve legal and insurance matters when you get in an accident while driving a rented vehicle. American Airlines’ travel insurance could help you cover any damage to your rental car if your auto insurance policy only covers the vehicle you own. Keep in mind that, just as with regular auto insurance, exclusions apply.
• Theft – What happens if your rental car is stolen? American Airlines travel insurance can help you work through this stressful situation by providing theft coverage.

Airport employees are always doing their best to serve you, but long lines and complicated logistics can nonetheless make for a frustrating experience when problems arise.

American Airlines tries to encourage customers to purchase travel insurance by offering a streamlined customer service experience. In addition to these various areas of coverage, American Airlines also advertises the additional perk of “24/7 assistance hotline and concierge services” for customers who opt for travel insurance.

All of these offerings combine to depict a streamlined and protected travel experience.

But how accurate is this depiction, and is this travel protection worth the cost? Read on to dive deeper into the world of travel insurance writ large.

How Do I Know if a Travel Insurance Policy Is Worth It?

You’re not even legally allowed to drive without auto insurance, so does it follow that you should never be caught in the airport without travel insurance?

Not necessarily.

Sure, any number of scenarios could unfold and derail your travel plans. Insurance exists so you can stay protected in the event of these what-ifs—accidents, illnesses, and so on.

However, travel insurance policies aren’t always as beneficial to the customer as they may seem. Airlines take a large percentage of the profit from every insurance purchase, so it benefits them to market it to their customers as more essential than it is.

• With travel insurance, you may end up saving money in the case of flight cancellation or inclement weather.
• But consider your past travel history — most of the time, everything runs smoothly. You get where you’re going without spending money on insurance.
• Even if your journey does hit a roadblock or two, the policy may still not be your most economical option. When you dig deeper into the scenarios that travel insurance policies actually cover, you can expect to find many limitations and exclusions — so the coverage may not apply to your situation at all.

Exclusions, Explained

Are you worried about the possibility of extreme global circumstances throwing a wrench into your perfectly planned vacation?

While we live in an unpredictable world, it’s important to understand that travel insurance may specifically exclude the very situation you’ve been nervous about.

Exclusions in American Airlines’ travel insurance policy include:

• Natural disasters
• Pollution leading to grounded or delayed flights
• Nuclear and radioactive events
• Civil unrest
• Government bans on travel

While these circumstances may sound extreme, less extreme conditions such as standard rain or snow will usually not alter your travel plans to the point where travel insurance would prove beneficial.

Travel Insurance and Medical Care

Maybe you’re worried about your health delaying your plans or causing you trouble once you arrive at your destination.

American Airlines’ policy also names many exclusions on when they will provide health coverage, including:

• Pre-existing medical conditions
• Pregnancy, fertility treatments, and childbirth
• Mental health issues including self-harm
• Health issues accompanied by alcohol or drug use
• Issues stemming from training and competition in professional or amateur sports

Whether your condition is pre-existing or you start to feel sick after consuming a few too many airport martinis, there are many scenarios where your health needs will not be covered by travel insurance.

Additionally, even though many mental health disorders can lead to or cause physical ailments, travel insurance offers no coverage for them.

If you would like to account for potential health issues during travel, be sure to do your research to make sure your areas of concern are covered by the policy.

Travel Insurance in the COVID-19 Pandemic

We’ve already talked about one major exclusion — epidemics.

Of course, we’re continuing to live with the global results of a pandemic. The coronavirus outbreak has introduced a new level of precarity to the travel industry, with increased regulations and safety measures impacting flight schedules and airline ticket availability.

This uncertainty around travel may make travel insurance seem like a reasonable step to take. If your flight is canceled or rescheduled, you don’t want to be left in the dust.

However, American Airlines’ travel insurance does not offer protection against issues caused by the pandemic.

How do other policies stack up? Unfortunately, the Consumers Checkbook explains that “Most travel insurance policies specifically list epidemics and pandemics as general exclusions, which means if you buy one of these policies you aren't covered if you cancel or interrupt your trip due to an outbreak.”

You certainly want to handle travel with care and precision. However, travel insurance may not be the best way to do so.

Your best bet is to arrive at the airport early to give yourself ample time to sort out any issues. In addition, pay attention to safety protocols to protect your health and the health of your fellow travelers.

Broad Exclusions

American Airlines goes even further to shift the responsibility onto the individual and avoid covering losses.

They list the broad exclusion of “any loss, condition, or event that was known, foreseeable, intended, or expected when your certificate was purchased.”

Intent can be a hard thing to prove. Given the wording of these exclusions, it appears that American Airlines has broad discretion to avoid payouts on travel insurance.

A 2018 study on travel insurance by the office of Senator Edward Markey — aptly titled the Flyer Beware Report — reports, “The airlines and OTAs aggressively market these insurance policies as providing total trip protection, but travelers who purchase these insurance policies through airline or OTA websites may get much less coverage — and security — than they are led to believe.”

What Other Travel Insurance Options Do I Have?

Senator Markey’s study suggests that seeking out third-party travel insurance may be more advantageous than purchasing a policy directly from your air carrier.

Just because you want to stay protected while you travel doesn’t mean you need to buy the exact policy that is being pushed on you by your airline. Remember: you are in control of the insurance that you obtain. Despite what your airline tells you, there are other options out there.

How We Can Help You Stay Protected

The insurance market can be a tricky one to navigate. Different providers attempt to pull you in different directions and persuade you to buy their products. In many cases, they may be prioritizing their profits over your best interest.

Don’t fall victim to these business practices and end up with an expensive insurance policy you don’t need. We’re here to help you navigate the world of travel insurance — and all kinds of insurance! — bringing clarity to the chaos. We offer free comparative quotes , helping businesses and consumers make connections and find excellent matches for their needs and wants.

References:

• https://www.aa.com/i18n/plan-travel/extras/trip-insurance.jsp
• https://www.allianzworldwidepartners.com/api/certificates/disclosure?ProductID=001004474&State=CA

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About The Author: Alison Tobin

Feature Insurance Writer

Alison Tobin is a Feature Insurance Writer at Clearsurance. Her writing interests include “How to” guides across different insurance types as well as other educational pieces. Alison earned a BA in Communication and Media from Merrimack College in Massachusetts. She has been working in the insurance space for 4 years.

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On This Page

• Key takeaways

What does flight insurance cover?

What is not covered by flight insurance by airlines, how much does flight insurance cost, flight insurance vs. travel insurance, reasons to get travel insurance instead of flight insurance, faq: flight insurance by airline.

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Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

• Airline flight insurance policies are okay if your main concern is getting reimbursed for your flights. However, whether or not you can be reimbursed for other expenses depends on the airline.
• Most flight insurance policies from airlines offer limited coverage and typically only give you one plan to choose from.
• Airline flight insurance packages rarely include coverage for things like your accommodations. On top of this, their coverage limits for emergency medical expenses are often too low for most travelers.
• Even the best travel insurance plans on the market often work out cheaper and provide more comprehensive protection than flight insurance plans from the airlines.
• Therefore, instead of buying travel insurance through your airline during the booking process, we recommend getting a quote for coverage from a third-party insurance company and comparing the two options before deciding.

Flight insurance is usually worth it if you only need coverage for your flights.

Flight insurance is not the same as travel insurance, and many people don’t realize that most airlines offer flight insurance that doesn’t cover other trip-related costs once the flights are canceled. Therefore, flight insurance may not be worth it if you are unsure about your trip or think you may need to alter or cancel your trip. Consider opting for travel insurance with trip cancellation and interruption coverage instead.

Our top picks for travel insurance with flight coverage

Seven corners, generali global assistance.

Flight insurance policies offered through airlines can vary depending on the company. Flight insurance policies tend to focus on protecting flight-related costs like flight cancellations, instead of providing coverage for the full cost of your trip.

For example, flight insurance typically offers minimal coverage in the following categories:

Trip interruption and cancellation coverage for your airline ticket only

This benefit can refund you for the cost of your flight if your trip is delayed or canceled for a covered reason. While this is a great benefit to have, it can fall short when you are stranded due to a canceled flight and moves some responsibility off of the airline.

Travel delay, baggage delay, and luggage loss or damage coverage

Airline flight insurance typically offers a small amount of coverage for trip delays and baggage issues, which may be as low as $200. This is another coverage that is useful to have, but partially removes responsibility from the airline. If your bags are lost or damaged, the airline should pay for them regardless.

Emergency medical and dental coverage

Plans may come with some coverage for emergency medical and dental expenses, but often in amounts as low as $10,000 for medical coverage. This is a great benefit to have as unforeseen medical expenses can arise out of nowhere. While we like this benefit, we think that the low coverage limits are a drawback.

It’s important to note that all of these types of coverage are typically included in comprehensive travel insurance plans. Additionally, third-party plans can be tailored for higher coverage in certain areas, such as increased medical coverage limits.

As you can see from the included coverages in flight insurance above, there are some glaring gaps in the protection you get.

As an example, having just $10,000 in coverage for emergency medical expenses can easily leave you in a bind if you become sick or injured during your trip. Not only that but there are some major travel insurance coverages you won’t get at all with flight insurance through the airlines.

The main types of travel coverage you will not receive through airline flight insurance policies include:

Emergency evacuation coverage

Some airline flight insurance policies offer a small amount of health insurance for medical coverage , yet very few of them offer protection for emergency medical evacuation . This means opting for airline travel insurance could leave you without protection if you become sick or injured and need transportation to a hospital or your home country to heal. At first glance, this may not seem necessary, but this is one of the best coverages to have when accidents happen. It will even play for loved ones to come and bedsit you wherever you are.

Sleeping accommodations & other prepaid travel expenses

While airline flight insurance policies do tend to offer some coverage for trip cancellation or trip interruption, these insurance benefits only apply to the cost of flights. In other words, you won’t have comprehensive coverage for other prepaid travel expenses required for your trip , including hotel or Airbnb stays, cruises, tours, paid activities, and excursions.

Optional cancel for any reason coverage

Flight insurance policies offered through airlines are very inflexible and don’t let you add any additional or optional coverages for customization. This means you won’t have access to key coverage options like “cancel for any reason” (CFAR) protection. CFAR is a type of trip cancellation insurance that lets you cancel your trip for almost any reason at all, including “just because” . Although this may not be necessary for all travelers, it’s one of the most popular optional benefits of travel insurance plans.

The cost of flight insurance through the airlines depends on the carrier and the cost of your trip. For example, it’s a lot more expensive to insure an international flight in a premium cabin vs. a cheap domestic flight in economy class.

That said, most flight insurance policies we looked at through airlines when we wrote this article came in between $40 and $450 depending on the type of ticket.

Below, we’ve listed a few examples of the prices we were quoted:

• Delta flight insurance : $43.07

One-way economy flight from Cancun, Mexico to Raleigh, North Carolina.

• Delta flight insurance : $53.08

Round-trip economy flight from Cancun, Mexico to Raleigh, North Carolina.

• JetBlue flight insurance : $97.32

Round-trip economy flight from Chicago, Illinois to Montego Bay, Jamaica.

• United Airlines flight insurance : $440.60

Round-trip business class flight from Indianapolis, Indiana to Rome, Italy.

For specific insight by airline, take a look at our FAQ section below where we detail each airline’s travel insurance and whether we think it’s worth it.

The main difference between flight insurance and travel insurance is that airline flight insurance is meant to protect mainly your flight.

On the other hand, travel insurance from third-party providers is made to provide comprehensive travel protection for the full trip cost as well as your physical health.

Let’s take a look at a real-world example that shows this difference. We applied for Delta flight insurance for a round-trip economy flight from Cancun, Mexico to Raleigh, NC, and were offered only one option for a Delta Airlines travel insurance policy backed by Allianz costing $53.08.

For $53.08, the Delta Airlines flight insurance policy came with the following benefits:

• Trip cancellation and interruption coverage worth up to $3,000
• Travel delay, baggage delay, and baggage loss or damage coverage worth up to $200 per event
• Emergency medical and dental coverage worth up to $10,000
• 24/7 travel concierge services

We also applied for a comprehensive travel insurance plan using the quote tool on LA Times Compare and were offered several travel insurance policies through a range of top providers. As we mentioned, third-party travel insurance is meant to cover the entire cost of the trip, so we searched for quotes for one 40-year-old traveler and a total trip cost of $2,500.

Here is one plan we were quoted from Nationwide costing $79.22:

• Trip cancellation coverage worth up to $2,500
• Trip interruption insurance worth up to $3,125
• Coverage for emergency medical expenses up to $75,000
• Protection for emergency medical evacuation up to $250,000
• $600 per person in coverage for travel delays ($150 daily limit) of at least six hours
• $100 per person in baggage delay coverage after a 12-hour delay
• $600 per person in coverage for baggage and personal items
• 24-hour travel assistance services
• And plenty more included in this plan

In this example, you could pay slightly more for coverage through Nationwide and get significantly higher coverage limits and more included benefits . Of course, the plan through Nationwide is meant to cover the entire trip and not just the airline ticket. There are plenty of examples we saw where the plans came out to be cheaper than the airline plan, but we liked this example best.

You can take a look at our full guide to cheap travel insurance plans if you are interested in a comprehensive policy on a budget.

Is airline travel insurance worth it?

Buying a flight insurance plan through your airline is better than nothing, but you’ll make some sacrifices when it comes to coverage levels and included perks.

For example, you’ll get cancellation protection for your flight cost, but you’ll have to go without coverage for other non-refundable expenses like hotel stays and tours. You’ll also get a small amount of medical coverage with flight insurance, but it may not be enough if you become sick, ill, or hurt during your trip and are in need of medical treatment.

It’s really up to you to decide how much coverage you want to buy, but you should do plenty of research so you can make an informed decision. Just remember that airline travel insurance and coverage you get through a travel credit card may leave you out of pocket due to limited coverage. Given the option, it’s worth it to opt for comprehensive travel insurance instead of flight insurance.

As you prepare to move forward with your travel insurance plans, consider these reasons to buy comprehensive travel insurance instead of flight insurance from your airline.

You want the full cost of your trip covered

There’s a lot more that goes into planning a vacation than just the cost of your airline ticket. For example, if you plan to vacation in Mexico for Christmas , you may have also paid for a range of travel-related costs including non-refundable travel expenses like hotel stays, tours, cruises, and more. Ultimately, that’s why a comprehensive travel plan provides a lot more financial protection in general . When you shop for travel insurance from major providers, you can purchase trip insurance for your entire trip cost and not just airline insurance that covers your plane ticket. A good example would be taking a flight to go on a cruise. If you only buy flight insurance, you would likely not receive a full cruise insurance policy that covers other risks and expenses associated with your trip.

You want the get the best deal among providers

The first detail to note about the travel insurance plan offered through your airline is that you’ll only be presented with one option. By contrast, you can shop for travel insurance through a portal like the one on LA Times Compare and see pricing for multiple policies from several different companies all in one place.

Getting the chance to shop around gives you the power to select a plan that has the benefits and coverage levels that make sense for your trip and also allows you to get the best deal among the competition.

You want flexibility & a customized plan for your needs

Also remember that airline insurance typically cannot be tailored to your needs, meaning you cannot beef it up with add-ons. This is a basic option on almost all travel insurance plans. If you are on a Domnican Republic vacation , for example, and want the chance to choose your coverage levels, limits, or add CFAR or IFAR travel insurance to your plan, you should skip airline travel insurance and buy a comprehensive travel insurance plan from a top insurance company.

You have a pre-existing condition

If you or a family member have medical conditions and you’re worried about getting sick during your vacation, you’ll want to make sure you have sufficient medical insurance levels and medical evacuation coverage. For senior citizens, it’s especially recommended to look into medical evacuation coverage as well as senior travel insurance policies. You will also want to make sure you purchase travel insurance from an insurer that provides coverage for pre-existing conditions you have, which could include diabetes or a history of heart problems.

Without medical coverage and evacuation protection with high limits, you could easily get stuck paying tens of thousands (or hundreds of thousands) of medical expenses out-of-pocket if the worst-case scenario came into play.

You want multi-trip coverage

Travel insurance offered through airlines is only available on a single-trip basis, meaning you have to purchase coverage for each flight you take. That said, many travel insurance companies offer multi-trip or annual travel insurance plans that let you purchase coverage that applies to multiple trip arrangements and travel plans you make throughout the year.

If you want insurance coverage that applies for longer trips or several trips you plan to take, you’ll want to skip airline flight insurance and opt for multi-trip travel insurance instead.

Is American Airlines Flight Insurance worth it?

American Airlines offers flight insurance through a partnership with Allianz Global Assistance, and the extent of coverage varies by trip and by policy. It’s worth mentioning that Allianz is one of the most trusted names in travel insurance, so you are backed by a good provider.

The American Airlines travel insurance was one of the better options we saw when looking at airlines. However, we still think it’s best to compare quotes to see what other options are available before you move forward with a travel insurance plan through American Airlines. It’s particularly important to make sure it has sufficient coverage for medical expenses and emergency evacuations, coverage for hotels and lodgings as well as Coronavirus related illnesses.

Is Delta Airlines Flight Insurance worth it?

Delta flight insurance tends to be inexpensive, but it can leave you vulnerable if something happens during your trip. For example, the policies we were offered only had $10,000 in protection for emergency medical expenses and dental expenses, which is not nearly enough.

Also, note that the trip cancellation and trip interruption benefits from Delta only applied to the cost of the plane ticket, and not to non-refundable hotel stays or tours. Based on these two factors, we think that Delta Airlines’ travel insurance is not worth it.

Is United Airlines Flight Insurance worth it?

United Airlines travel insurance can be relatively expensive, and the policies did not clearly outline coverage limits or included benefits when you add them to your flight cost during the booking process. Like Delta, the quotes we were shown by United only offered $10,000 in coverage for medical expenses which is simply not enough. Also, trip interruption and trip cancellation coverage only applied to the cost of the plane ticket.

When we took a look at the fine print, we were shocked to see that COVID-19 travel insurance is not covered, which is a basic coverage included in almost all travel insurance plans nowadays. According to a COVID-19 page on the company website , COVID-19 is a foreseen event and is not covered.

See the following taken from the fine print:

“Therefore, any losses for trip cancellation, trip interruption and/or trip delay caused by or resulting from quarantine due to COVID-19 is not considered “Unforeseen” and will not be covered under the terms and conditions of this insurance policy.”

Based on these factors, United Airlines’ travel insurance is not worth it.

Is JetBlue Flight Insurance worth it?

JetBlue offers a flight liability policy through Allianz that’s better than some other airline policies but not necessarily enough. What’s missing is coverage for non-refundable travel expenses like hotel stays and tours, as well as protection for some types of flight delays and lost or delayed baggage. Medical limits may also not be enough for most people, particularly those who have a pre-existing medical condition.

However, some highlights to note are that JetBlue coverage provides up to 100% reimbursement for certain medical expenses relating to COVID-19, as well as emergency medical and transportation benefits worth up to $50,000. JetBlue flight insurance also comes with 24/7 emergency travel assistance.

 Based on these factors, we think that JetBlue travel insurance is an okay option, but there are many more comprehensive plans available elsewhere.

Is Southwest Airlines Flight Insurance worth it?

Southwest Airlines does not offer flight insurance directly to customers who purchase airfare. If you’re flying Southwest and you want to make sure you’re covered, you’ll want to get a travel insurance quote from a third-party company.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Allianz Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

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Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

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Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

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American airlines honors veterans with special journey to normandy for the 80th anniversary of d-day.

FORT WORTH, TX / ACCESSWIRE / May 14, 2024 / American Airlines proudly announces a historic endeavor to commemorate the 80th anniversary of the D-Day landings in Normandy, France. On May 31, American will fly 70 World War II veterans to France on a donated charter flight to honor them for their service and sacrifice.

"We're honored to play a part in helping this group of heroic veterans return to Normandy," said David Seymour, American's Chief Operating Officer and a veteran of the U.S. Army. "This special journey is not only an expression of our gratitude for these heroes and the sacrifices they made for our freedom, but we hope to help shine a light on their extraordinary stories and preserve their legacies for generations to come."

D-Day marks a pivotal moment in history, and this trip reaffirms American's commitment to supporting veterans and preserving their stories 80 years later.

Among the many heroes who will return to Normandy with American is U.S. Navy veteran Felix Maurizio, who was on a landing craft that deployed troops onto Omaha Beach on D-Day. One of the soldiers he dropped off was his brother, Sal, who served in an Army medical unit.

Also taking the trip is Frank Perry, who served in the Army Air Corps as a turret gunner in central Europe in March 1945, and recalls staying on high alert for enemy fighter aircraft. After being discharged from service, he pursued his dream of a career in aviation with nearly 40 years of service at Piedmont Airlines. Piedmont is one of the many heritage airlines that came together to form today's American Airlines.

The journey will begin with a kickoff dinner at the American Airlines headquarters in Fort Worth the night before, followed by a send-off parade at Dallas Fort Worth International Airport before the group boards a chartered flight to Paris.

The veterans will spend two days in Paris before traveling to the Normandy region for commemorative events. The trip will include visits to key historical sites, concerts and special ceremonies to honor the courage and sacrifice of all who served during World War II. The trip will culminate with a June 6 ceremony at the Normandy American Cemetery, where more than 9,000 U.S. service members have been laid to rest.

American has a long history of supporting those who have sacrificed to serve our nation and has formed partnerships with many organizations to support their mission. This historic trip includes partners like TriWest Healthcare Alliance, Gary Sinise Foundation, Robert Irvine Foundation and Old Glory Honor Flight.

Bookmark www.aa.com/dday80 for updates surrounding the trip.

[Photos and interviews with veterans participating in the journey are available upon request. Please contact [email protected] for further information.]

About American Airlines Group To Care for People on Life's Journey®. Shares of American Airlines Group Inc. trade on Nasdaq under the ticker symbol AAL and the company's stock is included in the S&P 500. Learn more about what's happening at American by visiting news.aa.com and connect with American @AmericanAir and at Facebook.com/AmericanAirlines .

View additional multimedia and more ESG storytelling from American Airlines on 3blmedia.com.

Contact Info: Spokesperson: American Airlines Website: https://www.3blmedia.com/profiles/american-airlines Email: [email protected]

SOURCE: American Airlines

View the original press release on accesswire.com

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